Glossary term
Chargeable claim
Chargeable claim: A claim that triggers a surcharge—usually at-fault and above the insurer's dollar threshold.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Much Car Insurance Goes Up After an Accident
Typical premium increases after an at-fault accident by claim size and state, when the increase appears, and why two insurers can react very differently.
Guide
Accident Forgiveness: How It Works and Whether It's Worth It
What accident forgiveness does, how you earn or buy it, its limits, whether it transfers between insurers, and when it pays for itself.
Guide
Should You File a Claim After a Minor Accident?
When to pay out of pocket and when to file—deductible math, surcharge exposure, the other driver's involvement, and the cases where you must report regardless.
Entry
Adjusting Your Deductibles to Offset a Rate Surcharge After an Accident
Learn how raising your collision or comprehensive deductible can offset premium increases after an accident, and how to calculate whether the savings make sense.
Entry
How a Teen Driver's Accident Affects Household Car Insurance Rates
Understand why accidents involving teen drivers trigger severe insurance surcharges and learn strategic options to keep household premiums manageable.
Entry
What to Do If Car Insurance Drops You After an Accident
Learn what steps to take if your insurer issues a non-renewal notice after an accident, how to avoid coverage lapses, and where to find replacement coverage.